It’s not unusual for people to have more than 25% of their 401K in company stock. This is a potential disaster in waiting. Often, our employer will encourage or push us to put our money in company stock. In Clark’s opinion, you should never have a single penny in company stock, because the risk is too great. Retailers and manufacturers come and go. For example, did you know that K-Mart used to be the largest retailer in the U.S., and ultimately ended up insolvent? General Motors used to be seen as invincible, and now some financial analysts predict they could end up bankrupt. So, it’s great to be optimistic about where you work, but don’t put all your eggs in one basket.